The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$64,712
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,725
−HK$2,045/mo
Today · 4.125%
HK$68,770
baseline
▲ 0.50% · 4.625%
HK$72,955
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,540/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,922
−HK$1,959/mo
Today · 4.125%
HK$75,881
baseline
▲ 0.50% · 4.625%
HK$79,881
+HK$4,000/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,762/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,655
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,070
−HK$2,454/mo
Today · 4.125%
HK$82,524
baseline
▲ 0.50% · 4.625%
HK$87,546
+HK$5,022/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,048/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,390
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,707
−HK$2,350/mo
Today · 4.125%
HK$91,057
baseline
▲ 0.50% · 4.625%
HK$95,857
+HK$4,800/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,114/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,597
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,415
−HK$2,863/mo
Today · 4.125%
HK$96,278
baseline
▲ 0.50% · 4.625%
HK$102,137
+HK$5,859/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$192,556/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,788
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,491
−HK$2,743/mo
Today · 4.125%
HK$106,234
baseline
▲ 0.50% · 4.625%
HK$111,833
+HK$5,599/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$212,468/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,482
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,105
−HK$3,681/mo
Today · 4.125%
HK$123,786
baseline
▲ 0.50% · 4.625%
HK$131,318
+HK$7,532/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,572/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,585
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,060
−HK$3,526/mo
Today · 4.125%
HK$136,586
baseline
▲ 0.50% · 4.625%
HK$143,786
+HK$7,200/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,172/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,122 · Scale 2, in force from 26 Feb 2026)